Insurance Newshttp://www.lakesideins.com/blog
enCopyright 2019 Lakeside Insurance Brokers, Inc.Thu, 23 May 2019 13:10:00 GMTInsurance NewsThree Ways to Lower Your Carbon Footprinthttp://www.lakesideins.com/blog/2019/05/three-ways-to-lower-your-carbon-footprint
Thu, 23 May 2019 13:10:00 GMThttp://www.lakesideins.com/blog/p/46086Efficiency
<p>April 22 marked the 49th annual Earth Day, when more than 1 billion people in nearly 200 countries were expected to take part in what the Earth Day Network calls “the largest civic-focused day of action in the world.”</p>
<p>Since the first Earth Day in 1970 (which was connected to the passage of the Clean Air Act that year), there have been many environmental victories, such as passing and strengthening laws for cleaner air and water, expanding Marine Protected Areas, reducing overfishing, and even improving our ability to predict extreme weather events.</p>
<p>Scientists say more progress is needed if we are to slow the impact of climate change, and carbon emissions are a major threat, according to the U.S. Energy Information Administration. Since the mid-1800s, the agency notes, carbon concentrations in the atmosphere have increased by about 40%. Because of their warming effect on the planet over time, carbon emissions can contribute to severe weather, rising sea levels, and other significant issues.</p>
<p>You might think the problem is so big there’s nothing you can do about it—but there are many ways you can help reduce these emissions. Here are three things the environmental organization Carbon Offsets To Alleviate Poverty (COTAP) recommends to lower your carbon footprint and do your part to help the planet:</p>
<ol>
<li><p><strong>Don’t drive so much</strong> — When you do drive, be fuel-efficient. Driving a conventional vehicle burns fossil fuels, so the less you drive, the less carbon you emit. (Even electric cars typically have a carbon footprint, depending on the type of energy used to charge them.) You can also lower your emissions by keeping your car well-maintained and driving sensibly: To maximize your gas mileage, don’t speed excessively or accelerate suddenly, and make sure your tires are properly inflated.</p></li>
<li><p><strong>Limit your air travel</strong> — Everybody loves vacations, but airplane flights generate a lot of carbon emissions: For every roundtrip transatlantic flight, 30 square feet of Arctic sea ice is lost, according to Climate Central, an independent organization of climate scientists and journalists. When you want to get away, choose shorter flights, or try “staycations” closer to home. Also, if you travel for work, consider videoconferencing tools instead.</p></li>
<li><p><strong>Look around the house</strong> — There are plenty of other ways to lower your impact on the environment—and saving energy in your home is a great start. Make sure your home is insulated properly to keep things warmer in the winter and cooler in the summer without cranking the thermostat up or down. Choose appliances that are energy-efficient. Even something as simple as replacing incandescent light bulbs with LEDs (and turning lights off when you’re not using them) can help.</p></li>
</ol>
<p>Remember that little steps can create a big impact. Maybe you can bike to work a couple of times a month. Walk to the market instead of driving. Leave the AC off until the hottest days of summer. It all adds up—for you, for those you share the planet with, and those who will come after you, too.</p>
<p class="article_credit"><a title="Three ways to lower your carbon footprint for Earth Day (and beyond)" href="https://www.safeco.com/blog/earth-day">Reposted with permission from the original author, Safeco Insurance.</a></p>
<p>
<a href="http://www.lakesideins.com/blog/2019/05/three-ways-to-lower-your-carbon-footprint">Read the full article at www.lakesideins.com</a>
</p>Navigate Rainy Roadways With Carehttp://www.lakesideins.com/blog/2019/04/navigate-rainy-roadways-with-care
Mon, 15 Apr 2019 13:00:00 GMThttp://www.lakesideins.com/blog/p/22934Auto Insurance
<p>It’s just rain &mdash; how much impact can it really have on your driving?</p>
<p>The answer: a lot. You’re likely to experience lower visibility, reduced traction and increased difficulty in handling your car both during <em>and</em> after a rainstorm. Add flooding to the mix and suddenly things get much more challenging – and dangerous. </p>
<p>In fact, more than half of flood-related drownings are due to people driving into floodwaters, according to the Centers for Disease Control and Prevention. So, never, ever do it. As little as 12 inches of rushing water can carry away a small car, and 24 inches can carry away most any vehicle, according to the National Weather Service, which emphasizes “Turn Around, Don’t Drown” when it comes to both walking and driving into floodwaters.</p>
<p>So, what about when the roads are wet but passable? From the rainy northwest, the Oregon Department of Transportation (ODOT) offers these tips for a safer approach to wet weather driving:<br><br></p>
<ol><li><strong>Turn on your lights.</strong> Rain (and the spray from other vehicles) can significantly lower visibility. Make it easier for other drivers to see you.</li><li><strong>Slow down.</strong> It’s easy to lose control and hydroplane on wet roads, especially at speeds of about 35 mph or higher. Hydroplaning occurs when your front tires ride on a film of water instead of actually being in contact with the road. If it happens, ODOT recommends taking the following measures: “Ease off the gas, gently apply the brakes and steer straight ahead.” You’re also at risk of splashing water into the engine and stalling it when you drive at high speeds.</li><li><strong>Give people more room, and don’t use cruise control.</strong> You won’t be able to stop as quickly when the roads are wet &mdash; cars need two to three times more stopping distance.</li><li><strong>Expect things to be slick, especially if it hasn’t rained for a while.</strong> When a fresh rain mixes with engine oil and grease on the road, the combination can produce exceptionally slippery surfaces. </li><li><strong>Make sure tires have proper inflation and adequate tread.</strong> Both over- and under-inflated tires are dangerous even in normal conditions. As for checking the tread, use the penny test: Insert a penny into the tread with Lincoln’s head upside down. If you see his entire head, it’s time for new tires.</li><li><strong>Keep up with general car maintenance.</strong> Make sure your wipers are functioning and that you replace the blades regularly. Also check your defroster, especially if you don’t use it often. </li></ol>
<p><br>Remember, driving safely in inclement weather requires caution and patience. Give yourself more time to get where you’re going. If conditions are truly unsafe, pull over to a safe place (or stay home if you can). And, finally, don’t be caught with inadequate insurance coverage, either. Wet conditions make accidents more likely, so before you head out into the storm, make sure you have the coverage you want.</p>
<p class="article_credit"><a title="Navigate Rainy Roadways With Care" href="http://www.safeco.com/blog-detail/driving-tips-for-heavy-rain/1240030252078">Reposted with permission from the original author, Safeco Insurance.</a></p>
<p>
<a href="http://www.lakesideins.com/blog/2019/04/navigate-rainy-roadways-with-care">Read the full article at www.lakesideins.com</a>
</p>Spring Cleaning Tipshttp://www.lakesideins.com/blog/2019/04/spring-cleaning-tips
Wed, 10 Apr 2019 13:22:00 GMThttp://www.lakesideins.com/blog/p/45498Safety
<p>Spring is a time for new beginnings, and cleaning and organization around the house are very popular this time of year. If you’re ready to tackle the monumental spring cleaning chore, read on for some helpful information. (And if you’re so tidy and organized throughout the year that spring cleaning isn’t a big chore for you, well, keep that to yourself! Unless you want your friends and neighbors to be jealous, that is.)</p>
<ul>
<li><p><strong>Take it one room at a time.</strong> Deciding to clean or organize your entire home can quickly get overwhelming. If you focus on just one area or room, then move to another only when you’re finished, you’ll likely work more efficiently.</p></li>
<li><p><strong>Follow the six-month rule.</strong> Generally, if you haven’t used something in six months (with the exception of seasonal items), it’s a good idea to consider throwing it away or donating it.</p></li>
<li><p><strong>Don’t forget the kitchen.</strong> Just like other rooms, your kitchen likely has things that haven’t been used in some time — and this includes food in the refrigerator or freezer. Give those appliances a thorough cleaning and get rid of anything you won’t be eating.</p></li>
<li><p><strong>Set yourself up for success.</strong> Paper clutter is something we all could probably cut back on pretty easily. Setting up a few recycling bins throughout the house gives you a convenient alternative to just setting that old magazine or paperwork down somewhere and watching the pile grow.</p></li>
<li><p><strong>Make some money!</strong> The spring cleaning garage sale is a tradition for many homeowners, and can be a great way to bring in some extra income. Talk about a win-win situation — you get rid of stuff you don’t need, and someone pays you for it!</p></li>
<li><p><strong>Stay safe.</strong> When you’re cleaning or maintaining your home, be mindful of the physical risks involved. Lift with your leg muscles, not your back. Avoid prolonged repetitive motions. Use ladders, lawn mowers and other dangerous tools with caution.</p></li>
</ul>
<p>Now sit back, relax, and enjoy your sparkling clean home after a long winter inside.</p>
<p class="article_credit">Reposted with permission from the original author, Safeco Insurance.</p>
<p>
<a href="http://www.lakesideins.com/blog/2019/04/spring-cleaning-tips">Read the full article at www.lakesideins.com</a>
</p>Home Security Technology: Keeping you ahead of the burglarshttp://www.lakesideins.com/blog/2019/03/home-security-technology-keeping-you-ahead-of-the-burglars
Mon, 11 Mar 2019 13:00:00 GMThttp://www.lakesideins.com/blog/p/44921Homeowner InsuranceSafety
<p>Back in the early days of home security “systems,” around the end of World War I, it was common for homeowners to hire “door shakers”&mdash;night watchmen who would literally walk around and check doors to make sure they were locked. The most advanced product at the time, according to the Electronic Security Association, was an alarm system that used electromagnetic contacts on doors and windows and rang a bell if disturbed.</p>
<p>Things are just a little bit different now, thanks to expanding technology and decreasing costs. Regular homeowners now have access to the types of tools and systems that were previously attainable only by celebrities and the wealthy.</p>
<p>It’s especially important to be thinking about security with the increase of online shopping. More packages are being delivered on a regular basis, and porch pirates can easily swoop in and snatch your new items.</p>
<p>If you’re into tech, you might even find that getting set up is fun. And if you’re into saving money, many companies offer insurance discounts for having specific home-monitoring systems, so check your policy or ask us for details.</p>
<p>Here’s a rundown of some of the options you have to protect your home, from all-in-one systems to separate components for do-it-yourselfers.</p>
<p><strong>Full-service systems</strong></p>
<p>There are a number of companies that offer full-service security systems with central monitoring&mdash;and the list is growing, with cable and wireless companies (Xfinity, AT&T, etc.) getting into the mix more prominently along with familiar names such as ADT and Brinks. These systems can feature video surveillance, remote access, smoke and carbon-monoxide detection, even medical alerts in case you have an emergency. Many now offer home-automation tools so you can control lighting, heating, cooling and other appliances when you’re away from home.</p>
<p>Most systems also can be configured to send you alerts via text message&mdash;so you know when the kids have gotten home from school safely, for example.</p>
<p>Full security systems such as these often have installation costs, along with equipment fees and monthly bills, of course. But if you don’t feel tech-savvy enough to install your own system, you don’t want to deal with the hassle, or you want something with central monitoring, a full system might be right for you.</p>
<p><strong>Do-it-yourself options</strong></p>
<p>If you’d rather set up your own system, many companies offer starter packs with a few components to get you going, allowing you to add what you need and exclude what you don’t. Some provide security features without much in the way of home automation, while others can serve as the hub for a connected home&mdash;it’s up to you.</p>
<p>You can create your own custom security system through the use of individual products, too, although you’ll want to ensure everything works together. Here are some of the options on that front:</p>
<p><strong>Smart cameras and sensors</strong></p>
<p>Installing cameras used to mean dealing with bulky equipment and yards of wiring. Today, cameras are unobtrusive, wireless and capable of much more than previous models. Many are combined with floodlights or doorbells and use motion activation, saving data-storage space and battery power by recording only when there’s a reason to record. Some can send live feeds to you remotely when motion is detected, too. One startup even has motion sensors that don’t use infrared light&mdash;instead, they look for disturbances in the wireless signals that bounce around throughout your home.</p>
<p><strong>Keyless entry systems</strong></p>
<p>Even items as basic as the locks on your doors have undergone revolutionary changes. You might not think you need an entry system that relies on a code, or a smartphone, but they can come in very handy at times. Say, for example, you need to let a trusted repairman into your home while you’re away, but you don’t want to risk hiding a key outside. With a keyless system (or a hybrid version that uses both keys and codes), you simply provide a temporary code for the repairman to use.</p>
<p><strong>Home automation</strong></p>
<p>Have you ever forgotten to leave a light on while you’re away? Burglars thrive in the dark, and lights both inside and outside your home, along with noise from TVs, radios, etc., can be powerful deterrents. Thankfully, you can have more control than ever&mdash;from anywhere in the world. And just like some professionally installed systems or do-it-yourself starter packages, many individual components tie in home-automation features as well.</p>
<p>Of course, there are still some classic tools and techniques you can use to deter crime, no matter how tech-savvy you are: Don’t broadcast on social media when you’re going to be on vacation or away for the night. Keep valuables out of plain sight. Make sure your windows and doors are locked. And don’t forget the security system that will love you back&mdash;a watchdog!</p>
<p class="article_credit"><a title="Home Security Technology: Keeping you ahead of the burglars" href="https://www.safeco.com/blog/home-security">Reposted with permission from the original author, Safeco Insurance.</a></p>
<p>
<a href="http://www.lakesideins.com/blog/2019/03/home-security-technology-keeping-you-ahead-of-the-burglars">Read the full article at www.lakesideins.com</a>
</p>Looking at a new piece of jewelry? Make sure to look at your insurance, toohttp://www.lakesideins.com/blog/2019/03/looking-at-a-new-piece-of-jewelry-make-sure-to-look-at-your-insurance-too
Mon, 04 Mar 2019 14:42:00 GMThttp://www.lakesideins.com/blog/p/44351Homeowner Insurance
<p>Whether it&#8217;s a gift from someone special or a gift to yourself, a new piece of jewelry can bring some sparkle to your life.</p>
<p>However, many people who find themselves victimized by burglars—or a fire or some other disaster—also find out too late that they didn&#8217;t have enough insurance to replace their jewelry.</p>
<p>Here&#8217;s why: Homeowners policies typically only cover valuable items such as jewelry and watches up to a specific amount. For example, if your limit is $5,000, but you have a $15,000 diamond ring, you&#8217;d be on the hook for an extra $10,000 in order to replace it. There might be other issues as well, such as whether your policy covers each individual piece of jewelry at a set amount, or provides coverage for your collection as a whole.</p>
<p>This all might sound complicated, but it&#8217;s really not—especially when you work with an independent agent who can explain your options and make sure you get the right coverage. No matter how you buy your insurance, though, below are a few things you&#8217;ll want to consider.</p>
<ol>
<li><p><strong>Do you need more coverage?</strong> Look at your policy language, or ask your agent to explain your coverage. Do you have one or two expensive pieces, or a number of smaller items that when added together exceed your limits? You probably need to purchase additional protection.</p></li>
<li><p><strong>What kind of coverage should you get?</strong> This depends on your lifestyle. You may want to consider whether items are covered no matter where they are (such as if you travel internationally). You&#8217;ll also want to ask about actual cash value versus replacement value, and if you would be required to actually replace the jewelry in the event of a loss or if you could just keep the cash payment.</p></li>
<li><p><strong>Do you need an appraisal?</strong> In some instances, an insurance company will require you to get a piece appraised to determine its value.</p></li>
<li><p><strong>Do you have items with mainly sentimental value, or ones that are irreplaceable?</strong> If so, you might not need to purchase any additional insurance at all. But we recommend talking to your agent before making that decision.</p></li>
<li><p><strong>Do you have the ability to increase your deductible?</strong> Usually, a higher deductible means a lower premium—so that&#8217;s an option to potentially offset part or all of the cost of increased coverage for your jewelry.</p></li>
<li><p><strong>Do you have pictures?</strong> This doesn&#8217;t necessarily have to do with your insurance, but jewelers often are able to recreate lost or stolen pieces with the help of a photo.</p></li>
</ol>
<p>Whatever you choose to do, remember that you play an important role in keeping your jewelry protected, too: Be sure to store it securely, whether in a safe at home or a safe-deposit box at a different location. After all, having the right coverage is great—but it&#8217;s even better when those special pieces stay with you and your family for years to come.</p>
<p class="article_credit"><a title="Looking at a new piece of jewelry? Make sure to look at your insurance, too" href="https://www.safeco.com/blog/jewelry-coverage">Reposted with permission from the original author, Safeco Insurance.</a></p>
<p>
<a href="http://www.lakesideins.com/blog/2019/03/looking-at-a-new-piece-of-jewelry-make-sure-to-look-at-your-insurance-too">Read the full article at www.lakesideins.com</a>
</p>A Little Extra Caution Can Go a Long Way While Driving at Nighthttp://www.lakesideins.com/blog/2019/01/a-little-extra-caution-can-go-a-long-way-while-driving-at-night
Mon, 28 Jan 2019 14:00:00 GMThttp://www.lakesideins.com/blog/p/10565Car InsurancePersonal Insurance
<p>While fall and winter have their own pleasures, longer nights mean increased danger on the roads.</p>
<p>You might think you drive just as well at night, but consider this: Even though nighttime driving accounts for just 23% of vehicle miles traveled, more than 50% of fatalities for vehicle occupants 16 and older occur between 6 p.m. and 6 a.m., according to the National Safety Commission (NSC).</p>
<p>Because we're big advocates for safety at Lakeside Insurance, we thought it would be helpful to take a look at why night driving is more dangerous, and what you can do to decrease that danger.</p>
<p><strong>What's dangerous about night driving?</strong></p>
<ol>
<li><p><strong>Decreased vision.</strong> We won't go into all the biological details, but different parts of the eye (such as iris, pupil and retina) work differently at night. Your peripheral vision is actually slightly improved, but it's more difficult to focus on objects ahead of you. And traveling between well-lit areas and darker roads creates issues as well.</p></li>
<li><p><strong>Driving too fast for your headlights.</strong> Depending on vehicle speed and headlight setting, many people “over-drive” their headlights. That means, by the time they see something on the road, it's too late to stop in time to avoid it.</p></li>
<li><p><strong>Impaired judgment.</strong> Whether due to drowsiness or the use of alcohol or drugs, it appears that drivers at night often don't use good judgment. According to the NSC, 66% of fatalities at night involve vehicle occupants who weren't wearing seat belts.</p></li>
</ol>
<p><strong>So what do you do?</strong></p>
<p>Sometimes, there's no way around driving at night. So, whether you're just running to the store or driving a long distance, here are some tips to help you make a safe trip.</p>
<ol>
<li><p><strong>Make sure your vehicle's lights are in good working condition.</strong> And not just headlights, but turn signals, taillights, etc.</p></li>
<li><p><strong>Avoid speeding.</strong> Leave a bigger cushion between you and other cars than you would during daylight hours. Leave yourself more time for the trip.</p></li>
<li><p><strong>Be more aware of your surroundings.</strong> You shouldn't be using your phone, messing around with the radio or trying to find something on the floor while you're on the road anyway – and distractions are even more deadly at night.</p></li>
</ol>
<p>Of course, if you're not comfortable driving at night, the best thing is to avoid it altogether if possible. There's nothing wrong with asking for a ride from a trusted safe driver or waiting for the sun to come out!</p>
<p><strong>We're open all day!</strong></p>
<p>When you're driving around during the day, stop in to visit us at Lakeside Insurance for a review of your coverage. We won't keep you after dark, we promise. Just give us a call at 952-854-0109 or send us a note at office [at] lakesideins [dot] com. We're here to help!</p>
<p>
<a href="http://www.lakesideins.com/blog/2019/01/a-little-extra-caution-can-go-a-long-way-while-driving-at-night">Read the full article at www.lakesideins.com</a>
</p>A Home Inventory Will Help You Know What You Ownhttp://www.lakesideins.com/blog/2019/01/a-home-inventory-will-help-you-know-what-you-own
Mon, 21 Jan 2019 14:00:00 GMThttp://www.lakesideins.com/blog/p/3256Personal InsuranceHome Insurance
<h3>Why should I have a home inventory?</h3>
<p>Your furniture and appliances, clothing, sports or hobby equipment, and electronic goods are all regarded as personal property. Like many people in Minnesota, you may own much more than you realize.</p>
<p>Comparing the value of your belongings to the "contents" limit listed in your policy helps you make sure you have enough insurance to replace them if they are lost, stolen or destroyed as a result of a covered loss.</p>
<p>If that&rsquo;s not enough to make you consider doing an inventory, having one also makes filing a claim easier.</p>
<h3>What&rsquo;s the best way to create my inventory?</h3>
<p>The easiest way is to create a video inventory. Using a video camera, record and describe items as you walk through your house. Or, you can use a regular camera to take pictures and create a home inventory checklist.</p>
<p>Here are a few tips for completing and storing your inventory:</p>
<ul class="content_list">
<li>Add brand names and descriptions where you can, especially on large-ticket items.</li>
<li>Keep any receipts you have with the list to make the claims process easier</li>
<li>Store your video or photo inventory offsite so you won&rsquo;t lose it if your house is damaged.</li>
<li>Update your personal property records when you purchase new furnishings and valuables.</li>
</ul>
<p>There are a number of online services and software options you can use as well to help you organize and store your inventory remotely. </p>
<h3>How much insurance do I need?</h3>
<p>We're here to assist you in analyzing your insurance needs and help you decide how to most effectively protect your personal property.</p>
<p>Ask us about full value coverage, which will pay for the replacement value of your personal belongings. A standard policy typically covers personal property only up to its actual cash value, determined by taking the replacement cost and deducting depreciation, which can be substantial.</p>
<p>Remember, your <a href="/homeowner-insurance">homeowners insurance policy</a> covers valuable items such as jewelry, art and antiques, only up to set dollar amounts. If the cost of replacing them exceeds these limits, you may want to purchase scheduled personal property coverage.</p>
<h3>Contact Us!</h3>
<p>For further questions and assistance, please <a href="/contact">contact us </a> today!</p>
<p>
<a href="http://www.lakesideins.com/blog/2019/01/a-home-inventory-will-help-you-know-what-you-own">Read the full article at www.lakesideins.com</a>
</p>Protect Your Family From the "Silent Killer"http://www.lakesideins.com/blog/2019/01/protect-your-family-from-the-silent-killer
Mon, 14 Jan 2019 14:00:00 GMThttp://www.lakesideins.com/blog/p/9290SafetyHome Insurance
<p>Carbon monoxide is an odorless, colorless, invisible gas that results when certain fuels do not burn completely. And it can be deadly. That's why it's important to know how to prevent it, detect it, and protect yourself and your family from its effects.</p>
<p>In the home, carbon monoxide is most commonly formed by flames and heaters, as well as vehicles or generators that are running in an attached garage. As temperatures drop and more people are cranking the heat and hovering over the stove inside and warming up the car's engine before hitting the road, it's especially critical to ensure your family's safety against this lethal gas.</p>
<p>Since carbon monoxide cannot be detected without a carbon monoxide detection device, it is essential to install and maintain one or more detectors in your home.</p>
<h2>Detection Tips</h2>
<p>At Lakeside Insurance, we want you and your family to stay protected, so check out the following tips from CAL FIRE San Diego County Fire Authority for safeguarding your household.</p>
<ul>
<li>The International Association of Fire Chiefs recommends a carbon monoxide detector on every floor of your home, including the basement. A detector should be located within 10 feet of each bedroom door, and there should be one near or over any attached garage.</li>
<li>Each detector should be replaced every five to six years.</li>
<li>Battery-only carbon monoxide detectors tend to go through batteries more frequently than expected. Plug-in detectors with a battery backup (for use if power is interrupted) provide less battery-changing maintenance.</li>
<li>Thoroughly read the installation manual that comes with the individual detector you purchase. Manufacturers' recommendations differ to a certain degree based on research conducted with detectors for specific brands.</li>
<li>Remember that carbon monoxide detectors do not serve as smoke detectors and vice versa. You can, however, purchase a dual smoke/carbon monoxide detector that can perform both functions.</li>
<li>Do not install carbon monoxide detectors next to fuel-burning appliances, as these appliances may emit a small amount of carbon monoxide upon startup.</li>
</ul>
<h2>In Case of Exposure</h2>
<p>At Lakeside Insurance,&nbsp;we hope you never have to use the following tips from the Mayo Clinic, but please read on for good information that could help save a life.</p>
<p>If you suspect that you or someone you know has been exposed to carbon monoxide, check for the following symptoms:</p>
<ul>
<li>dull headache</li>
<li>weakness</li>
<li>dizziness</li>
<li>nausea</li>
<li>vomiting</li>
<li>shortness of breath</li>
<li>confusion</li>
<li>loss of consciousness</li>
</ul>
<p>If any of the symptoms exist, move the individual into fresh air and seek emergency medical care immediately.</p>
<h2>Contact Us</h2>
<p>For further questions about your <a href="/homeowner-insurance">home insurance</a>, contact us at 952-854-0109 or office [at] lakesideins [dot] com.</p>
<p>
<a href="http://www.lakesideins.com/blog/2019/01/protect-your-family-from-the-silent-killer">Read the full article at www.lakesideins.com</a>
</p>Is your home as efficient as it could be? An energy audit can tell youhttp://www.lakesideins.com/blog/2019/01/is-your-home-as-efficient-as-it-could-be-an-energy-audit-can-tell-you
Wed, 09 Jan 2019 17:05:00 GMThttp://www.lakesideins.com/blog/p/43767Homeowner Insurance
<p>Drafty windows. Leaky faucets. Dirty air filters.</p>
<p>All are common issues in homes across the country, and they’re not just annoying&mdash;they also cost you money in decreased energy efficiency and higher bills.</p>
<p>The U.S. Environmental Protection Agency’s Energy Star program estimates that homeowners can save 5% to 30% on annual energy costs by incorporating technologies to make their homes operate more efficiently. Think that’s not a big deal? Based on typical energy costs, it could mean savings ranging from $105 to $627, according to Energy Star.</p>
<p>That sounds pretty good to us. And even if you’re not the handiest person when it comes to home maintenance, checking your energy efficiency is something you can easily do yourself. (Although if you want to get the biggest bang for your buck, Energy Star recommends a <a href="https://www.energy.gov/energysaver/home-energy-audits/professional-home-energy-audits" target="_blank" rel="noopener">professional home-energy audit</a>.)</p>
<p>Just follow the tips below&mdash;you’ll see where your home loses energy, how efficient your heating and cooling systems are, and ways you can decrease your electricity use.</p>
<p>First, just for reference, here’s how the average energy bill breaks down:</p>
<ul>
<li>Heating: 29%</li>
<li>Electronics: 21%</li>
<li>Water heating: 13%</li>
<li>Cooling: 13%</li>
<li>Appliances: 12%</li>
<li>Light: 12%</li>
</ul>
<p><strong>Where’s the air?</strong><br>
Air commonly leaks from homes through gaps around baseboards, electrical outlets and windows or doors&mdash;if you feel like you’re running the heat all the time to no avail, that warm air might be escaping. Stopping these drafts can save up to 30 percent of your yearly energy costs (it will keep the cool air inside during the summer, too). Be sure to check your home’s exterior as well, paying particular attention to areas where two different building materials meet. When you find leaks, seal them with caulk or weather stripping.</p>
<p><strong>Don’t wait to insulate</strong><br>
Check to see if you have enough insulation in your ceiling and walls. The attic door or hatch should be insulated and close tightly. For walls, make a small hole in a closet or other inconspicuous place and probe into the wall with a screwdriver&mdash;if the area isn’t completely filled with insulation, you’re probably losing heat in the winter and cool air in the summer.</p>
<p><strong>Check your furnace and AC systems</strong><br>
Heating and cooling systems that work correctly and efficiently can save you frustration as well as money. Make sure ducts and pipes are insulated properly, and have your equipment checked and cleaned by a professional each year. Filters for forced-air furnaces should be replaced as soon as they are dirty, or every 30 to 60 days.</p>
<p><strong>Let there be (efficient) light</strong><br>
More than half of the light sockets in the U.S. still contain an inefficient bulb, according to Energy Star&mdash;and the average home has about 70 sockets! LED bulbs use about 90% less energy than regular bulbs, and they last a lot longer, too. Many will still be going after 20 years.</p>
<p><strong>See how your home stacks up</strong><br>
Energy Star also offers a Home Energy Yardstick that allows you to compare your home’s efficiency to similar homes across the country and get advice on how to improve. It takes just five minutes. <a href="https://www.energystar.gov/index.cfm?fuseaction=HOME_ENERGY_YARDSTICK.showGetStarted" target="_blank" rel="noopener">Learn more here</a>.</p>
<p>Anyone can take steps to save energy&mdash;whether you’re a hardcore do-it-yourselfer or someone simply tired of sending a big check to the power company every month. Just don’t forget what might be the most important thing of all after you finish your audit and make your home more efficient: deciding how to spend the money you’ll save!</p>
<p class="article_credit"><a title="Is your home as efficient as it could be? An energy audit can tell you" href="https://www.safeco.com/blog/home-energy-audit">Reposted with permission from the original author, Safeco Insurance.</a></p>
<p>
<a href="http://www.lakesideins.com/blog/2019/01/is-your-home-as-efficient-as-it-could-be-an-energy-audit-can-tell-you">Read the full article at www.lakesideins.com</a>
</p>Tips for Surviving the Holidays with your Relativeshttp://www.lakesideins.com/blog/2018/12/tips-for-surviving-the-holidays-with-your-relatives
Tue, 18 Dec 2018 16:44:00 GMThttp://www.lakesideins.com/blog/p/43498Brock Flueggeholidays
<figure><img src="/images/news/43498/11794/large/adult-background-beard-716658.jpg" data-image="11794" width="750" height="500"></figure><p>Holiday traditions often make the holiday season the favorite time of year for many people.&nbsp;Those traditions include:</p>
<ul><li>Picking out the perfect Christmas tree;</li><li>Participating in secret gift exchanges;</li><li>Baking cookies; and</li><li>Travelling to visit family.</li></ul>
<p>However, this time of year can be very stressful for families dealing with internal drama. Snide remarks, political arguments, and opinionated relatives can make this a time of year you want to forget.</p>
<p>If you’re chuckling, you get my drift. If you’re a bit upset, take a breath. No one’s family is perfect!</p>
<p><strong>Here are some tips to help you enjoy the holidays with your family a bit more this year.</strong></p>
<p><strong>1. Make a phone call.</strong>&nbsp;Carrying a chip on your shoulder year after year is a burden. If you’ve had a disagreement or fight with a family member, pick up the phone, send a text, or send a Christmas card. Discussing a misunderstanding ahead of your family party can make it more enjoyable or at a minimum more tolerable.</p>
<p><strong>2. Be thankful.</strong>&nbsp;Even if you have no family drama, you may still get annoyed with some of your relatives. Consider being thankful for another year together. This may be the only time of year you see them. Life is precious and can change in a second.</p>
<p><strong>3. Don’t be so serious.</strong>&nbsp;Sometimes we’re our own worst critics. Maybe things aren’t as bad as we think they are. Enjoy a little humor or a lighter outlook on things.</p>
<p><strong>4. Exercise.</strong>&nbsp;This time of year is hectic. Family traditions, holiday concerts/plays, shopping lists, final exams, and your company’s year-end makes it hard to enjoy the holiday season. If you’re feeling stressed and losing sleep at night, increase your physical activity. Getting the endorphins flowing makes a big difference in how we handle stress. Get that workout in before your family event!</p>
<p><strong>5. Be genuine.</strong>&nbsp;Trying to impress family members can be stressful and a lot of work. Connect with the family members you enjoy being around. Definitely be cordial to all, but don’t go out of your way to be someone you’re not.</p>
<p><strong>6. Stand your ground.</strong>&nbsp;Don’t get tricked into a discussion or situation that’s going to upset you. More than likely it’s the same situation or comment from the same person every year. I had an uncle who always told me I looked healthy (over weight). Realize the game is beginning and simply walk away.</p>
<p><strong>7. Just ignore them.</strong>&nbsp;Everyone experiences different levels of stress and emotion this time of year. Things may be said or done. It’s probably not because of anything you’ve done. It’s just them. A smile, nod, or simple gesture can keep a situation from escalating.</p>
<p><strong>8. Plan an exit strategy.</strong>&nbsp;Before going to your family holiday party, discuss with your spouse or other family members on how long you plan on staying. As families grow and mature, it’s hard to stick to everyone’s schedule. Consider taking separate cars in case someone wants to leave early or stay late.</p>
<p><strong>9. Think positive.</strong>&nbsp;Don’t let negative self-talk get you down. Stay positive and use tactics to keep the negativity to a minimum.</p>
<p><strong>10. It’s about the kids.</strong>&nbsp;Unfortunately, I’ve experienced family drama during the holidays. While it can be hard to sit in the same room with a certain family member, put aside your differences for the kids. Think about the excitement the holiday brings to them. Spending time with their cousins and relatives creates memories that last a lifetime.</p>
<p><strong>11. Respectfully decline.</strong>&nbsp;If the ideas mentioned above don’t work for you. Then it may be best to decline a holiday party invitation. At the end of the day, you have to do what’s best for you. Taking on extra stress during an already busy time of year doesn’t make sense. Consider starting a new tradition that brings you more happiness.</p>
<p>Happy Holidays!<br></p>
<p>Source:</p>
<p><a href="https://www.huffingtonpost.com/janet-taylor-md-mph/surviving-holiday-family_b_1140346.html">https://www.huffingtonpost.com...</a></p><p></p>
<p>
<a href="http://www.lakesideins.com/blog/2018/12/tips-for-surviving-the-holidays-with-your-relatives">Read the full article at www.lakesideins.com</a>
</p>